Credit unions · New Mexico · Q2 2026
ZIA CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $308M |
| Total loans & leases | $220M |
| Total shares & deposits | $247M |
| Members | 14,540 |
| Net worth | $31.9M |
| Net worth / assets | 10.35% |
| Loans / assets | 71.37% |
| Return on assets (annualized) | 0.45% |
| Loan growth (YoY) | 16.91% |
| Member growth (YoY) | 7.56% |
| Delinquency, all loans (60+ days) | 0.48% |
| Charter | State charter (federally insured) |
| Asset band | $250M–$1B |
| NCUA peer group | $100M–$500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
ZIA CU's own website describes "Joy," an artificial intelligence voice service that lets members retrieve their account information by speech through Alexa, Google Home, SMS and phone. That is an AI assistant working on the credit union's own member account data, with no public evidence of AI making decisions inside business processes.
- ZIA CU website “Joy is an artificial intelligence service that makes it possible to use natural, free-form speech to access account information via Alexa, Google Home, SMS/text, and phone.”